SBA 7(a) franchise lending portfolio
Capital One, National Association
- Total loans
- 348
- Loan volume
- $160.0M
- Avg loan size
- $460K
- Charge-off rate
- 20.0%
- vs 16.0% national
Charged off
56
Avg interest
5.71%
Franchises funded
195
Risk rating
High Risk
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Subway Sandwich Shop | 24 | $2.2M | 8.3% (good) |
| The Goddard School | 19 | $47.3M | N/A |
| Mail Boxes Etc. Usa | 7 | $545K | N/A |
| Bahama Buck's Original Shaved | 7 | $6.8M | N/A |
| Dairy Queen | 5 | $522K | N/A |
| Sylvan Learning Center | 5 | $310K | N/A |
| Domino's Pizza | 5 | $1.3M | N/A |
| Liberty Tax Service | 5 | $994K | N/A |
| Smoothie King (health Food Sto | 4 | $821K | N/A |
| All Tune And Lube | 4 | $406K | N/A |
| Tropical Smoothie Cafe | 4 | $1.6M | N/A |
| Kiddie Academy | 4 | $10.7M | N/A |
| Hand and Stone Massage and Fac | 4 | $3.7M | N/A |
| Baskin-Robbins 31 Ice Cream | 3 | $276K | N/A |
| Cici's Pizza | 3 | $550K | N/A |
| Maggiemoo's (ice Cream) | 3 | $215K | N/A |
| Post Net | 3 | $145K | N/A |
| Matco Tools (rent Tools) | 3 | $110K | N/A |
| Big O Tires | 3 | $110K | N/A |
| Merle Norman Cosmetics | 3 | $110K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 1 |
| FY1993 | 5 |
| FY1994 | 7 |
| FY1995 | 8 |
| FY1996 | 8 |
| FY1997 | 9 |
| FY1998 | 2 |
| FY1999 | 12 |
| FY2000 | 2 |
| FY2001 | 3 |
| FY2002 | 4 |
| FY2003 | 12 |
| FY2004 | 42 |
| FY2005 | 65 |
| FY2006 | 8 |
| FY2007 | 7 |
| FY2008 | 5 |
| FY2013 | 7 |
| FY2014 | 15 |
| FY2015 | 20 |
| FY2016 | 9 |
| FY2017 | 14 |
| FY2018 | 19 |
| FY2019 | 19 |
| FY2020 | 11 |
| FY2021 | 1 |
| FY2022 | 3 |
| FY2023 | 7 |
| FY2024 | 5 |
| FY2025 | 15 |
| FY2026 | 3 |
SBA 7(a) · charge-off rate by approval year
Capital One, National Association: above all franchise loans in 4 of 7 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge; recent years are too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1993 | 5 | 1 | Too few |
| 1994 | 7 | 1 | Too few |
| 1995 | 8 | 2 | Too few |
| 1996 | 8 | 2 | Too few |
| 1997 | 9 | 1 | Too few |
| 1999 | 12 | 3 | 25.0% |
| 2001 | 3 | 0 | Too few |
| 2002 | 4 | 0 | Too few |
| 2003 | 12 | 1 | 8.3% |
| 2004 | 42 | 14 | 33.3% |
| 2005 | 65 | 20 | 30.8% |
| 2006 | 8 | 4 | Too few |
| 2007 | 7 | 1 | Too few |
| 2008 | 5 | 2 | Too few |
| 2013 | 7 | 1 | Too few |
| 2014 | 13 | 2 | 15.4% |
| 2015 | 17 | 1 | 5.9% |
| 2016 | 9 | 0 | Too few |
| 2017 | 8 | 0 | Too few |
| 2018 | 12 | 0 | 0.0% |
| 2019 | 5 | 0 | Too few |
| 2020 | 6 | 0 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
Geographic exposure
Portfolio summary
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Charge-off rate = charge-offs / (charge-offs + paid-in-full). Active, exempt, and cancelled loans are excluded. Risk ratings: Excellent (<5%), Good (5-10%), Average (10-15%), Elevated (15-20%), High Risk (>20%).
Frequently asked questions
- How many SBA 7(a) franchise loans has Capital One, National Association originated?
- 348 loans totaling $160.0M. The portfolio carries a 20.0% charge-off rate, earning a “High Risk” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Capital One, National Association's rate of 20.0% is above the national rate.
- Where does this lending data come from?
- SBA 7(a) loan records released under the Freedom of Information Act. Each record carries approval date, amount, lender, business type, NAICS code, location, and outcome. See methodology.
- Which franchise brands does Capital One, National Association fund the most?
- The “Top franchise exposures” table above lists the brands Capital One, National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.